cnn plans need to encourage higher purchasing contributions. i may suggest three easy ways to do so. change the employer match. a typical plan is 50% up to 6% of pay. 6% are marching to plan consider and notched a 30% to 10% of pay would cost the employer for every employer at or about 10% in this case a financial incentives for 10% of pay but no increase cost to the employer. to encourage employers to adopt a higher contribution rate under enrollment. the widespread adoption following the act of 2006 has been a clear victory for public policy at the typical default contribution rate is 3% of falls well short of what is needed to save. we know from extensive research and the employees persist at the default. the solution is